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Car Insurance Claims against foreign vehicles is a logistical nightmare. From police reports, claim documentation and contacting the General Insurance Association of Singapore, get ready to be inconvenienced.
Category: Car Ownership Advice
Filing a car insurance claim against a Malaysian vehicle is very different compared to claiming against a Singaporean-registered one.
It becomes more complicated because you're claiming against a car insurance policy from another jurisdiction in another country.
These are the steps you should take:
- Gather all necessary information
- Make a police report and seeking help
- Inform your insurer within 24 hours
- Wait for the outcome
- Seek help from the higher authorities
- Alternative ways of seeking redress
Gather all necessary information
Acquire evidence to help your claim. You'll need:
- Particulars of the drivers involved
- Registration numbers of vehicles involved
- Photos of the accident and the damaged vehicle(s)
Make a police report and seeking help
Report the accident to the police, especially if you're claiming against a foreign vehicle. If the police detect foul play, they will notify the Immigration & Checkpoints Authority (ICA) to prevent the foreign vehicle from leaving the country.
If there are any injured parties at the accident site, call an ambulance immediately (995). Here are five crucial steps on handling a car accident.
Ring up your insurer and seek assistance, if needed. FWD and Aviva car insurance have 24-hour emergency hotlines available. While some insurers offer it for free, others like Budget Direct car insurance charge a fee – it depends on your policy coverage.
Inform your insurer within 24 hours
Even if you've no intentions of claiming against your policy, report the accident to your insurer. Otherwise, you're at risk of certain consequences like losing your No-Claims Discount (NCD).
FWD, AIG and Budget Direct car insurance requires policyholders to report all accidents within 24 hours or by the next working day. If you make a late report, NTUC Income deducts 10% off your NCD from your policy.
Plus, when you eventually decide to claim against your car insurance policy, your insurer won't reject your claim on the basis that you delayed the report. Here are four other common car insurance claim mistakes to avoid.